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  • JeffreyLNSFunding's Avatar
    Today, 02:24 PM
    In my experience, it comes down to consistently bringing in healthy files. They don’t all have to be home run deals, but the business needs to support the offer and perform well. Seasoned brokers usually stand out because they’ve built a solid book through long term relationships and continue servicing their merchants after funding. That consistency builds a funder’s confidence and can lead to more competitive offers.
    25 replies | 5508 view(s) | |
  • HYBRID_FUNDER's Avatar
    Today, 02:17 PM
    Hi DailyFunder community, I'm John Tinaz, founder of Hybrid Funder, operated by Tinaz Enterprises LLC. We connect business owners with third-party commercial funding providers and coordinate applications and communications for merchant cash advance and working-capital options. We do not directly issue funding. We welcome conversations with brokers, ISOs and referral partners interested in learning about our coordination process and partnership program. Product availability and requirements vary by provider and location. Providers determine eligibility, approval, amounts, costs, terms and timing; funding is not guaranteed. Hybrid Funder may receive referral or coordination compensation. Our website also offers merchant resource articles and a free cash-flow prediction tool for testing receipts, operating expenses and proposed payment scenarios: Free cash-flow planning tool Funding partner information Company: Hybrid Funder / Tinaz Enterprises LLC Website: www.hybridfunder.com Contact: [email protected] | 347-201-2367 Mailing address: 224 W 35th St, Suite 500, New York, NY 10001. We operate online only; this is a mailing address, with no customer visits or in-person appointments. Hours: Monday-Friday, 10 a.m.-5 p.m. Eastern. Happy to answer questions about our process and resources. Please contact us through our website for application details rather than posting bank statements or personal identifiers in the forum.
    0 replies | 6 view(s)
  • reginapink's Avatar
    Today, 01:53 PM
    Not every file is going to be clean. That doesn’t mean there isn’t a deal to be made. At Steddy Funds, we specialize in the tougher files that other funders may hesitate to touch. We’re aggressive on C–D paper, comfortable with stacked positions, and always looking for opportunities to get deals across the finish line. Here’s our box: $5K–$250K in funding 1st–6th positions High-risk AI-powered underwriting for fast decisions Signed docs to funded in as little as 30 minutes ISO commissions up to 15 points And here’s what matters just as much: You won’t be chasing someone down for an update. I work directly with my ISOs, stay involved throughout the process, and believe that communication should never be the reason a deal falls apart. I’m looking to build relationships with active shops that want a reliable, aggressive funding partner in their rotation. Have a tough file sitting on your desk? Send it my way. Let’s see what we can do. Regina | ISO Relations Steddy Funds [email protected]
    0 replies | 9 view(s)
  • trueadvance's Avatar
    Today, 01:30 PM
    WHY TRUE ADVANCE IS MORE AGGRESSIVE THAN OTHER LENDERS! Tired of lenders giving you offers they refuse to compete on? Tired of losing deals because your lender won’t work with you? AT TRUE ADVANCE, WE DO THINGS DIFFERENTLY! We are a smaller, privately operated direct lender, and that’s one of our biggest advantages. Unlike larger corporate lenders with strict guidelines and multiple layers of management, we have the flexibility to review deals individually, make quick decisions, and compete aggressively with other lenders. WHY ISOs CHOOSE TRUE ADVANCE: Competitive Offers – We are willing to compete on rates, terms, fees, and deal structures to help you close. Direct Access to Decision-Makers – No corporate runaround. Speak directly with our funding team. Flexible Underwriting – We look at the entire file, not just a credit score or automated decision. 260+ Positive Trustpilot Reviews – A reputation built on trust and consistency. Being a smaller lender means every ISO relationship and every submission matters to us. We understand how competitive this industry is. If you have a competing offer, GIVE US THE CHANCE TO BEAT IT! We may not win every deal, but we will make every effort to compete and help you get your merchant funded. John Callandrillo | Funding Manager Phone: 201-970-3750 Email: [email protected] Website: www.trueadvance.biz ISO SIGNUP / SUBMISSIONS: https://app.trueadvance.biz/iso/jc
    25 replies | 5508 view(s) | |
  • trueadvance's Avatar
    Today, 01:24 PM
    Here at TRUE ADVANCE BIZ – WE FUND MOST DIGITAL BANKS! including: Chime Mercury Bluevine Live Oak Bank Novo Ally Bank And many more! Don’t let a merchant’s digital banking relationship stop you from submitting a deal! WHY WORK WITH TRUE ADVANCE? Direct Lender – No Middlemen Funding from $2,000–$250,000 Terms from 1–11 Months 1st–5th Positions Daily & Weekly Payments Funding Defaults with Satisfied ZBLs Fast Approvals & Funding Full Commissions on Renewals Reliable, On-Time ISO Commission Payments 260+ Positive Trustpilot Reviews NOW ACCEPTING NEW ISOs & BROKERS! John Callandrillo | Funding Manager True Advance Phone: 201-970-3750 Email: [email protected] Website: www.trueadvance.biz ISO SIGNUP / SUBMISSIONS: https://app.trueadvance.biz/iso/jc SEND US YOUR DIGITAL BANK DEALS TODAY! All submissions are subject to underwriting and bank-account verification.
    2 replies | 549 view(s) | |
  • Daniel Flawless's Avatar
    Today, 11:52 AM
    Daniel Flawless started a thread on boarding ISO'S in Promotions My name is Daniel, and I'm an ISO here at Flawless Capital Group, a direct lender in the MCA space. I wanted to introduce myself and explore the opportunity to sign up some brokers. As a direct lender, we're able to offer: - Funding across B through D paper - Terms up to 32 weeks - Rates as low as 1.32 on qualified files - Fast turnaround same day term sheets and funding within hours once documentation is complete We're currently expanding our broker network and looking to build relationships with active ISOs who want a reliable funding partner especially for files that may not fit elsewhere. I'd love to learn more about the deals you're currently working on and see if there's a fit. Email me at [email protected]. To talk more.
    0 replies | 58 view(s)
  • FinQuick's Avatar
    Today, 11:37 AM
    I’m on the funding side and I’d look at backing your shop for a rev share: cash up front against a cut of commissions for a set period, possibly paired with first look on your paper. Send me what the buildout actually costs, what you need to draw monthly, and what flow you expect from the funnel in the first six months. If the numbers work I’ll come back with a structure. Happy to get on a call too.
    2 replies | 453 view(s) | |
  • Robinhood21's Avatar
    Today, 11:22 AM
    Webroot has prevented access to a potentially dangerous site. You are safe. https://novapointbank.com/ Category: Phishing Site (RT) This site has been evaluated as one that will try to trick you into disclosing your login, password, or other sensitive information by disguising itself as a website that you trus
    2 replies | 295 view(s) | |
  • Vitas's Avatar
    Today, 10:29 AM
    interesting, why Fundkite?
    9 replies | 2222 view(s) | |
  • DFLEXFUNDS's Avatar
    Today, 09:50 AM
    Belltower Funding is actively looking for quality 2nd–5th position opportunities, with our sweet spot in the 3rd & 4th. ✅ Same-Day HOPs ✅ EPOs on EVERY deal ✅ No commission clawbacks for early payoff ✅ Daily & Weekly options ✅ 550+ FICO ✅ $25K+ Monthly Revenue ✅ Up to 12 Points at Sell Rate If you're already sending the deal to other Tier 3 funders, put Belltower in the rotation and let us compete. [email protected] Quality ISOs welcome. Let's fund some deals this week.
    34 replies | 17164 view(s) | |
  • sean-nayyar's Avatar
    Today, 05:27 AM
    One of my friends banks with Novo, which is a fintech business banking solution. Apparently, they are doing MCAs now too, just like all these other fintech banks. I think these tech companies see the writing on the wall and that AI can replicate all their "tech" in a matter of seconds, so they're trying to get into lending money to business owners to offset their moat being destroyed. Check these screenshots out: What the small and mid size brokers need to do to offset the risk from these numerous big tech companies coming in and trying to basically take over the space: The first thing you need to do is admit that this is a big problem. I keep seeing brokers saying no big deal, business is going great. All smiles and rainbows. No. Over time these companies are using their distribution network on their platform to lend to users who are on their platforms. One of the ways to not just survive but also thrive is to stop doing degenerate activities like spamming people with SMS blasts and annoying email marketing. Fight fire with fire. Create a relationship where the merchant comes to you via inbound marketing where they opted in. If you keep doing outbound spammy communications to small business owners you're going to drive them away. Especially when now they have these options to go through their fintech banking app. Secondly, build a book of business and create a login portal and platform of your own where merchants can come and see the progress on the loan and other stuff like that. Fight fire with fire like I said. With AI it shouldn't be hard to set up a back end portal for merchants to monitor their debt and repayment etc. I'd like this to be a discussion thread where we can talk about how to counter this threat. I'm a lead gen guy but my business depends on you all thriving and the environment being healthy. I don't really want to change niches and would prefer you guys stay strong. So let's discuss some solutions.
    0 replies | 161 view(s)
  • sean-nayyar's Avatar
    Today, 04:59 AM
    The quality problem is solved with a good conditional funnel that's been split tested over years. Our funnel would look something like this: ChatGPT (new and untested) -> Proven Funnel tested with millions of dollars in ad spend from multiple clients of mine Zooming in we can further elaborate what our proven funnel looks like: Proven landing page with survey conditional and algorithmic filtering -> Loan application (only for those who meet qualifications) -> Bank statement upload / Bank login Plaid connection -> Stips uploaded -> Booked call with ISO to discuss needs
    6 replies | 1004 view(s) | |
  • sean-nayyar's Avatar
    Today, 04:53 AM
    Sure. Since its a new platform, I'm willing to run a trial to show i can deliver qualified merchants with app and statements using our system.
    6 replies | 1004 view(s) | |
  • Franklin's Avatar
    Today, 03:03 AM
    Gotcha www.TheFourthLedger.com - Lock up your own merchant territory, in a week.
    12 replies | 14791 view(s) | |
  • Franklin's Avatar
    Today, 02:58 AM
    I see Chatgpt leads as a cross between Google Ads and Texting, as you get the best of both worlds. I think the bigger challenge is the normal issues you get with online leads, which could be accelerated with Chatgpt..... how do you stop a 17 year old with a Youtube channel from asking you for money to rent some exotic cars and really make his videos pop. Google ads has negative keywords and Facebook can filter demographics for established businesses, but how would Chatgpt stop this from happening? They would have to confirm the business metrics before they show the ad. Interestingly, the vast majority of people I know who actually pay for AI like Claude or Chatgpt are actually business owners, so there is definitely a correlation, but that doesn't mean a ton of businesses don't use the free version either. We actually have a different way of using AI to generate Online Leads, that allows you to focus on High Revenue and years in business, even choosing what territories come to you only. www.TheFourthLedger.com
    6 replies | 1004 view(s) | |
  • jpctl's Avatar
    Yesterday, 08:48 PM
    It doesn't seem legit. I used an AI tool and got the following: "Verdict: not a legitimate bank. Don't put money in it, and don't hand it your ID or documents. Here's what I found when I actually opened it and checked the registries: The red flags: - The browser tab calls it "Prime Trust Digital Bank" but the page itself says "Nova Point Bank" — two different names on one site. Real banks don't have identity crises. - It claims deposits are "FDIC insured through our sponsor-bank partner" — but never names that partner. Legit fintechs are required to clearly identify the insured bank. An unnamed "sponsor bank" is the classic fake-bank dodge, and the FDIC actively goes after firms that imply FDIC insurance without naming the insured institution. - No FDIC certificate number, no physical address, no phone number, no routing number, no charter info anywhere on the site. A real bank lists these. - It's nowhere on the FDIC's BankFind registry — I checked the FDIC's own bank data and there's no NovaPoint institution at all. The FDIC's guidance is blunt: if it's not in BankFind, it may be an illegitimate website designed to steal funds or personal information. What to do: treat it as a scam site."
    2 replies | 295 view(s) | |
  • bizbroker's Avatar
    Yesterday, 07:21 PM
    Anyone seen this bank before? They have a website but thats about it. https://novapointbank.com/
    2 replies | 295 view(s)
  • Yankeeman07's Avatar
    Yesterday, 05:13 PM
    Depending on your FICO & Personal Tax Return- An SBA working capital loan may be a solution. You have to show the ability to repay.
    2 replies | 453 view(s) | |
  • brandon_'s Avatar
    Yesterday, 04:54 PM
    I guess we can let people decide for themselves.
    6 replies | 1004 view(s) | |
  • FundingTMRW's Avatar
    Yesterday, 03:23 PM
    I’ve been in the MCA industry for close to a decade working for other shops & funders and am at the point of starting my own brokerage. The goal would be to use the current brokerage softwares out there to streamline deal processing and to ensure funders are only getting files they need. I’ve created a great email campaign funnel and am hoping to Be able to eventually bring on some sales representatives/account executives. Of course the issue is having the funds to build & to pay myself a livable salary while that gets built out. I’ve never heard of it, but do any of you out there know of organizations or people who will invest in startup MCA brokerages? Whether that is for a cut of revenue or equity in the business, or perhaps both?
    2 replies | 453 view(s)
  • sean-nayyar's Avatar
    Yesterday, 02:05 PM
    there's really no correlation. if this logic held, then youtube ads would be worthless because premium youtube users dont see ads. but youtube ads bring in clients and customers for probably millions of users globally.
    6 replies | 1004 view(s) | |
  • Business2122's Avatar
    Yesterday, 01:12 PM
    I can offer hybrid capital structures combining private investment with a MCA to establish long term cash flow through short term capital structures Dm or email to discuss further
    5 replies | 2238 view(s) | |
  • Business2122's Avatar
    Yesterday, 01:10 PM
    I can offer hybrid capital structures combining private investment with a First-Loss Guarantee arrangement to establish long term cash flow through short term capital structures Dm or email to discuss further
    7 replies | 3828 view(s) | |
  • Business2122's Avatar
    Yesterday, 01:06 PM
    I can offer hybrid capital structures combining private investment with a MCA to establish long term cash flow through short term capital structures Dm or email to discuss further
    9 replies | 7300 view(s) | |
  • brandon_'s Avatar
    Yesterday, 11:11 AM
    Waste of money until they let you advertise on the paid accounts. Not sure if you were aware of that but they are only offering ads on free accounts, which aren't the types of people you want
    6 replies | 1004 view(s) | |
  • Yankeeman07's Avatar
    Yesterday, 10:23 AM
    Google, Yahoo, Microsoft determine if your email will be delivered. SPF, DKIM and DMARC are the three records that tell receivers your mail is genuinely yours. When they disagree, mail is filtered or refused, quietly. Are you managing your TXT DNS Records?
    0 replies | 159 view(s)
  • Yankeeman07's Avatar
    Yesterday, 10:04 AM
    Since you have the Hot Leads - I have 2 Sponsoring Banks that will UW Managed High Risk Accounts. Register as a Sub-Agent and earn residual income.
    1 replies | 202 view(s) | |
  • Sean Cash's Avatar
    Yesterday, 09:00 AM
    Capital is more liquid but there's also a difference in what you're investing in. The loans on Figure's platform tend to be institutional grade and are securitized into a pool. The pool is over-collateralized. Syndication in this industry is generally a per-deal basis where you absorb the risk of each deal.
    12 replies | 14791 view(s) | |
  • Kevin Henry-Seacoast's Avatar
    Yesterday, 06:05 AM
    Hi Aaron, We are one of the larger bank owned factors that finances staffing companies nationally. [email protected]
    1 replies | 726 view(s) | |
  • Let's Rock's Avatar
    Yesterday, 01:58 AM
    We are generating hot leads for peptide & many other high risk business. You will get direct Customer Query at what's app number. For more information please dm WhatsApp: +1323-943-0054.
    1 replies | 202 view(s)
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